The business of Sunshine Microfinance Company includes: handling all kinds of microfinance; Handling financing consultation; Handling the development, management and financial consultation of small and medium-sized enterprises; Other businesses approved by the competent department of industry.
Sunshine Loan is an unsecured credit loan product jointly launched by China Everbright Bank and China Ping An Property Insurance Co., Ltd. Sunshine Loan is a new unsecured loan product jointly launched by China Everbright Bank and China Ping An Group. It is a credit guarantee product for ordinary residents to develop unsecured loan business. As long as they meet the requirements, they can apply for a small loan issued by China Everbright Bank (10000- 15000). Loan term 12-36, paid in full, unsecured and unsecured. Simple procedures, flexible deadlines and quick approval. Student-origin credit student loan: refers to the student loan issued by financial institutions such as China Development Bank to eligible freshmen in colleges and universities and students with financial difficulties, and applied by students and their parents (or other legal guardians) to the student financial assistance management center or financial institutions in the county (urban area) where the students are studying, so as to help the students with financial difficulties pay the tuition and accommodation fees required during their studies at school. Student-origin credit loan is a credit loan, which does not need guarantee or mortgage. Students and their parents (or other legal guardians) are the same borrower, and both parties are liable for repayment.
Sunshine loan generally refers to a standardized, standardized and transparent credit business management model introduced by credit cooperatives on the basis of comprehensive rural credit planning, combined with the current rural economic situation and financial development characteristics, as well as the actual operating conditions of rural credit cooperatives. As the name implies, its purpose is to make credit benefit farmers like sunshine, from loan application to loan personnel service to loan issuance, in order to solve the problem of farmers' difficulty in lending and lack of funds in the production process, and to control credit risk from the source through the "sunshine" of loan process. At the same time, Sunshine Loan also implements a series of preferential measures for high-quality customers, such as unsecured and simplified mortgage procedures. Let them feel the benefits of maintaining credit and repaying on time, which will help to cultivate a good credit environment.
Specific processing procedures:
First, farmers need to cooperate with the household survey of credit cooperatives and truthfully provide information about their operations and income;
Second, the sampled farmers need to fill in the back-to-back farmer questionnaire truthfully;
Third, credit cooperatives publicize the credit line of farmers. If the credit line granted by farmers to themselves or other farmers is meaningful, it can be directly reported to the local credit cooperatives or county credit cooperatives, or feedback by telephone;
Four, after receiving the "sunshine credit notice" served by the credit personnel, farmers need to contact the credit cooperatives in time, go through the relevant procedures and obtain a letter of credit. The information to be provided includes the identity cards of farmers and their spouses, marriage certificates, certification materials of business projects, identity cards of guarantors and other relevant information required by credit cooperatives.
Five, after handling the credit formalities, farmers who need loans can bring their ID cards and letters of credit and go directly to the credit cooperatives to handle the loan formalities. On call, convenient and fast.